Our young family took out a loan from this bank to buy our first property. Our bank specialist has carefully studied the documents and approved the loan for an unnecessary amount. Moreover, we were promised that if we collect some more documents, the interest on the loan will be reduced to the minimum. Of course, this pleasant prospect made us happy, and we spent several days to arrange the necessary documents. When we arrived at the bank, we were consulted by another employee who said that we had received the most advantageous offer on our loan and further reduction of the interest rate was impossible. Of course, we were initially offered good conditions (it was taken into account that we are taking a loan for our first apartments, the initial payment was more than 37 percent, the apartment is almost completed and we will be able to move into it in about 6–8 months), but why promise a bonus and therefore not to give it, we did not understand. Perhaps the specialist who worked with us at first mixed up something. Credit conditions couldn’t have changed in those few days while we were collecting additional documents.